Financial Wellbeing for All
How Nobias helps you achieve Financial wellbeing with clarity
What we do
-
![Blue circular icon showing a customer support headset with a smiling face.]()
1:1 With Your Own Financial Guide
Get real advice from a SEBI-registered investment adviser’s Certified Financial Planners (CFP) not AI-generated nudges.
-
![Blue circular icon showing a wallet, representing finances or money management.]()
Track Everything in One Place
Connect your income, spending, loans, savings and investments - no spreadsheets needed.
-
![Blue circular icon showing an upward arrow in a chart, representing growth or goal progress.]()
Set Real Goals, Not Just Dreams
Whether it’s buying a house or quitting your job someday, we make it actionable.
-
![Blue circular icon showing a minus sign.]()
No Sales. No Spam. No Bias
We’re not here to sell - just to help you make and implement the best decision for you!
-
![Blue circular icon showing adjustment sliders, representing customised financial plans or personalised settings.]()
Custom Plans, Built for Indian Salaries
Your income, EMIs, and side hustles deserve more than generic templates.
How we do it
-
![Phone screen showing the Nobias app transactions dashboard with income, outgoing, and net cashflow summary bars.]()
1:1 planning with your Certified Financial Planner
Get a personalised plan built around your goals, your income, your obligations!
-
![Phone screen showing the Nobias app advisory section with a financial planning overview, call details, and goal-based asset allocation.]()
Stay on track with your Goals
Prioritise your goals, track your progress and stay focused on what matters to you
-
![Phone screen showing the Nobias app investment section with mutual funds, stocks, and portfolio options for financial decision-making.]()
Give every Rupee a Purpose
Make your money work towards the life you want!
Meet our founder, Dr. Tania Ahuja
With a PhD in Finance, Tania founded Nobias in 2017 with a simple belief: “everyone deserves financial guidance that is clear, unbiased, and built around their goals. “
Her mission is to help more people invest and build wealth with less stress and more confidence.
As a SEBI-registered investment adviser, Nobias is mandated to act in the client’s best interest - without commissions or hidden agendas.
We are AAA:
Accessible — clear, approachable advice that is easy to understand
Affordable— guidance that should not be out of reach for most people
Accountable— advice that is transparent and puts clients’ interests first
Introductory video with Founder, Dr. Tania Ahuja
Nobias is a modern financial planning platform – built for people, not spreadsheets. We combine expert human guidance with real-time tools – so you can see your entire money life clearly, and act on it. At Nobias, everything starts with one thing: effortless integration. You can link your bank accounts in just a few taps – and instantly track spends, income, and past transactions. Got mutual funds or SIPs? Nobias connects with top investment platforms – so everything stays updated, automatically. Your income, spends, EMIs, and goals – all in one place, always up to date. Your certified financial guide helps you build a plan, track it, and adjust as life evolves. This isn’t just another finance app. It’s your money, working quietly for you.
Meet your certified financial guides
Lara Menezes, CA, CFP
Lara Menezes brings more than two decades of financial leadership to Nobias. A Chartered Accountant certified by the Institute of Chartered Accountants of India, she has worked with global firms like Deloitte and Pliva before launching and scaling her ventures for over 12 years. Born and raised in Goa, Lara blends corporate rigour with entrepreneurial agility, offering a rare mix of structure and vision.
Gaurav Janmali, CFP
With over 8 years of experience in personal finance, Gaurav Janmali is a Certified Financial Planner (CFP®) known for building tailored, goal-oriented financial strategies. A graduate of Pune University with a B.Com, he specializes in retirement planning, investment management, and tax optimization.
Gaurav’s client-first mindset and analytical depth have helped hundreds of individuals and families navigate their financial journeys with clarity and confidence. His precision, empathy, and real-world insights make him a cornerstone of the Nobias leadership team.
Our Team
We are passionate about closing India’s Financial Clarity Gap and empower young people in making confident money decisions.
Your financial plan is two clicks away
Join thousands of Indians who’ve stopped guessing and started planning - with Nobias.
Explore Content
-
The Real Cost of Homeownership in Major Indian Cities
In this blog, we break down the pros and cons of both options so you can make a confident and informed decision.
-
6 Traits of Financially Healthy People
Being financially healthy is about more than just having money; it’s about having control over your finances and making smart financial decisions. Financially healthy people tend to share these six traits:
-
Savings Strategies for Life: Building a Secure Financial Future
Saving money is a crucial part of financial well-being. While it may seem challenging at first, with a little effort and consistency, it can become a healthy financial habit.
FAQs
-
Financial wellbeing is the state of having control over your day-to-day finances, being on track to meet your financial goals, and having enough of a cushion and enough confidence to absorb setbacks without derailing your future — not just having money, but having the security and freedom of choice that money is supposed to provide.
A widely used formal definition comes from the U.S. Consumer Financial Protection Bureau: financial wellbeing is a state in which a person can fully meet current and ongoing financial obligations, feels secure in their financial future, and is able to make choices that let them enjoy life.
-
Breaking down Financial wellbeing into its components:
Control over day-to-day finances — spending, cash flow, bills, no constant scramble.
Capacity to absorb a financial shock — an emergency fund or buffer for the unexpected.
On track to meet financial goals — retirement, education, home ownership, whatever matters to the person.
Financial freedom to make choices — enough security to make life decisions (a job change, taking time off, helping family) without financial fear driving the decision.
The first two components (habits, cash flow, discipline) are exactly what financial coaching can address.
But the third and fourth — a real plan tailored to someone's actual goals, informed by their full financial picture, and free of product-selling incentive — is planning and advisory work. -
Nobias Artha, a SEBI registered advisor, is a financial wellbeing platform designed to help individuals and families in India make smarter money decisions. We combine financial education, personalized planning tools, and unbiased guidance to help you manage money better, reduce stress, and achieve your life goals.
-
Budgeting apps show you charts on where you spend your money. We show you what to actually do.
Portfolio Managers (PMs) try to beat returns of the market index with your money.Nobias is a SEBI registered investment advisor (SEBI RIA) that works with you to build a custom financial plan and invest in the market to attain your dreams - not just track expenses and not just try to beat the market.
-
Nobias is for anyone who wants to grow their money with confidence and clearly understand where every rupee goes.
Whether you’re just starting out or already investing, we are not an agent we will not misguide you. We help you plan, invest smartly, and stay in control of your finances so your money works toward your goals and build a secure future.
-
You'll answer a few questions and start planning with Nobias, a SEBI-registered advisor.
Brokers and bankers are agents and may mislead you - we will not. We will build your plan together with no bias.
-
Our advisors are qualified financial professionals who are Certified Financial Planners (CFPs) working under Nobias, a SEBI-registered Investment Adviser.
They provide unbiased, goal-based advice focused only on what’s best for you with no commissions or product pushing.
Client Reviews
“I Was Investing Randomly …
Hi, I am 29 and work in a bank close to Nobias’ Office. I had been investing for a few years, but honestly I was just following whatever friends suggested. I had multiple mutual funds, some stocks, and I wasn’t sure if any of it made sense together. When I met my CFP at Nobias Artha, the first thing they did was review my entire portfolio — explaining the difference between regular and direct funds, overlaps, and performance. In our 1:1 meeting, they built a goal-based financial plan and showed me exactly how each investment supports my long-term goals. Now I don’t just invest — I understand why I’m investing.
Nobias commitment to quality truly stood out. I’ve already recommended them to others.”
“Someone on MY side….
Finally somebody who wasn’t outright lying and selling me useless target products!! Literally bought all the NO NO Stuff- NFOs, ULIPs,regular plans, then I met the Nobias team in a finance workshop where their CEO explained the most common mistakes we make managing finance- made most of those mistakes. Getting my things in order with Nobias, really hope Nobias reaches more and more people who are literally deceived by these “agents” to sell any crap.
Nobias communication was top-notch and the final outcome was even better than we imagined. A great experience all around.”
“Feeling in control …
Even though I earn well, I always wondered where my money was going. Through Nobias Artha, I started using their app to track savings, expenses, investments, and loans all in one place. Seeing my net worth and financial overview for the first time was eye-opening. My CFP then helped me create a structured budgeting and savings plan aligned with my goals.
Now I finally feel in control of my finances instead of guessing.
Every detail in Nobias financial plan was thoughtfully executed. We're thrilled with the outcome.”